Montgomery County property record for 817 S Elm St, Dayton, OH 45449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,722 sqft · built 1952 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,569 (2024) |
| Deeds & Mortgages | Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | K48 00218 0008 |
| Primary APN | K48 00218 0008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,722 sqft Living Area |
| 1st Floor Area | 1,722 sqft |
| Game Room | Game Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 61,420 sqft |
| Lot Dimensions | 250 ft deep x 246 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,120 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 152 sqft |
| Deck Area | 56 sqft |
| Patio Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 817 S ELM ST |
|---|---|
| City | DAYTON |
| State | OH |
| Zip | 45449-2207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 839 |
| Legal Subdivision | CITY/WEST CARROLLTON REV |
| Legal Lot Number | 8 |
| Jurisdiction | MONTGOMERY OH |
| Township / Civil Division | WEST CARROLLTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 50302 |
817 S Elm St is owned and occupied by two individuals who acquired it in April 2008.
Source: Montgomery County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 817 S ELM ST, DAYTON, OH 45449-2207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2008 |
| Deed Sale | Apr 1, 2008 |
| Deed Document Number | 08-022715 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY OH |
| Property Address | 817 S ELM ST, DAYTON, OH 45449-2207 |
| Document Number | 0000041158 |
| Instrument Date | Jul 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 817 S ELM ST WEST CARROLLTON OH 454492207, WEST CARROLLTON, OH 45449-2207 |
| Document Number | 0000041158 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 41158 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Montgomery County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Montgomery County |
| Municipality | West Carrollton City |
| Unified School District | West Carrollton City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $71,390 Land $11,640 Building $59,750 | ||
| 2024 | $4,569.00 (+1.85%) | ||
| 2023 | $4,486.00 (+4.42%) | $71,390 (+32.99%) Land $11,640 Building $59,750 | $203,970 Land $33,250 Building $170,720 |
| 2022 | $4,296.00 | $53,680 Land $8,750 Building $44,930 | |
| 2020 | $153,370 Land $25,000 Building $128,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 817 S Elm St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective June 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 5 (1981–2014) |
| Claims Outside the SFHA | 1 of 5 |
| Most Recent Claim | Jun 2014 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 817 S Elm St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WEST CARROLLTON CITY PWS serves 8,361 people · EPA ID OH5702812 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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